 Loan-to-value  & 0.0024 & 0.0039  \\
\vspace{4pt} & (0.00001)  & (0.00002) &   \\ 
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Year fixed effects  & $\checkmark$ & $\checkmark$ \\
Age and education controls  & & $\checkmark$ \\
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Sample size &   28,298,160  &   27,501,724 \\
$R^2$ & (0.519) & (0.533)   \\
